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555 Main Street, #490
Racine, WI 53403

Johnson Bank is headquartered in Racine and is the 2nd largest bank in the state of Wisconsin. It is also the 214st largest bank in the nation. It was established in 1970 and as of June of 2014, it had grown to 952 employees at 54 locations. Johnson Bank has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Johnson Bank had $42.2 million in non-current loans and owned real-estate with $564.92 million in equity and loan loss allowances on hand to cover it. This gives Johnson Bank a Texas Ratio of 7.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Johnson Bank decreased dramatically from 11.12% as of June 30, 2013 to 7.47% as of June 30, 2014, resulting in a positive change of 32.82%.This indicates that the balance sheet and financial strength for Johnson Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Johnson Bank has increased its total deposits by $224.5 million, resulting in 7.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Johnson Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Johnson Bank has $3.9 billion in assets with $564.92 million in equity, resulting in a capitalization level of 14.47%, which is excellent.

Institution Statistics

FDIC Certificate #20296
Year Established1970
Primary RegulatorFED
Assets and Liabilities
Assets$3.90 billion
Loans$2.94 billion
Deposits$3.30 billion
Equity Capital$481.12 million
Loan Loss Allowance$83.80 million
Unbacked Noncurrent Loans$26.73 million
Real Estate Owned$15.47 million
Historic Data - June 2013
Assets$3.64 billion
Equity Capital$441.66 million
Loan Loss Allowance$90.33 million
Unbacked Noncurrent Loans$26.73 million
Real Estate Owned$22.00 million
Profit Margin - Quarterly
Return on Assets0.7%
Return on Equity5.47%
Interest Income$64.82 million

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Johnson Bank has 51 locations. Click to view all Johnson Bank locations.